After using the platform for about six months to run my direct-to-consumer brand in Toronto, I wanted to leave a quick, balanced Arival Bank ( https://arival.com/ ) review for other founders considering it. Finding a reliable banking partner that supports cross-border e-commerce without demanding local branch visits is tough in Canada. When I applied, their compliance team asked quite a few detailed questions about our supply chain, manufacturer invoices, and projected monthly sales volume. That took around eight days, which felt a bit slow, but it showed me they take regulatory compliance seriously. Day-to-day operations have been remarkably stable ever since. We collect revenue from our American store directly in USD and pay our suppliers in Asia via international wires without random holds. The web dashboard is clean, straightforward, and does not feel bloated with unnecessary features. The only minor drawback I noticed is that support replies can take a few hours if you submit a ticket during the weekend. Overall, it solved our cross-border payment bottlenecks and eliminated the excessive conversion fees our previous bank was charging. Are there other Canadian e-commerce founders here using digital accounts for US sales? How do you manage your supplier payouts?